Share Certificates

Let your money take off with a great certificate rate from CINCO. With a low $500 minimum deposit, you can enjoy higher dividends and choose the term that best suits your individual needs. We offer short- and long-term certificates ranging from 91 days to 60 months.

Rates are monitored every week and can change based on financial market conditions. However, once you "lock in" a certificate term and rate, you are protected from downswings in market rates. Furthermore, unlike investments in the stock market or mutual funds, your deposits are protected to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.


Term Share Certificates Options

Heritage Club Term Share Certificate Bonus Rates

Receive a bonus rate of .25% on selected Heritage Club Term Share Certificates. This is one of the many benefits of the Heritage Club Checking Program, designed for those members age 50 years or older.*

A Fixed Rate Term Share Certificate

A Fixed Rate Share Certificate allows you to lock in a good rate that is guaranteed for the length of your term. Normally, the longer the term, the higher the dividend. Terms range from 3 months to 5 years in length.*

Small Savers Term Share Certificates

A certificate designed for the small saver. All you need is $100 to open the certificate. Payroll deductions can be made each payday to the certificate which has a 24 - month maturity date.*

CINCO IRA Term Share Certificates

Receive competitive rates on CINCO IRA Term Share Certificates. Rest easy knowing your retirement plan is right on key!*

*Penalties will be charged if redeemed before maturity.

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